Call reports 2015
COMMERCIAL BANK OF GRAYSON, THE — 2015
What COMMERCIAL BANK OF GRAYSON, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 170,222,000 | 175,372,000 | 173,078,000 | 174,650,000 |
| Total loans | 68,349,000 | 69,203,000 | 71,125,000 | 71,334,000 |
| Allowance for loan losses | 1,147,000 | 1,133,000 | 1,085,000 | 1,079,000 |
| Securities available for sale | 61,973,000 | 63,120,000 | 65,253,000 | 61,632,000 |
| Securities held to maturity | 23,995,000 | 23,690,000 | 24,524,000 | 24,953,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,321,000 | 148,186,000 | 145,768,000 | 148,320,000 |
| Interest-bearing deposits | 99,391,000 | 99,306,000 | 97,707,000 | 99,643,000 |
| Noninterest-bearing deposits | 43,930,000 | 48,880,000 | 48,061,000 | 48,677,000 |
| Equity capital | 25,906,000 | 25,817,000 | 26,104,000 | 25,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,439,000 | 2,925,000 | 4,451,000 | 5,973,000 |
| Interest expense | 32,000 | 65,000 | 96,000 | 128,000 |
| Net interest income | 1,407,000 | 2,860,000 | 4,355,000 | 5,845,000 |
| Noninterest income | 259,000 | 544,000 | 840,000 | 1,131,000 |
| Noninterest expense | 1,416,000 | 2,789,000 | 4,163,000 | 5,529,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 262,000 | 636,000 | 1,053,000 | 1,494,000 |
| Income tax | 50,000 | 138,000 | 248,000 | 396,000 |
| Net income | 212,000 | 498,000 | 805,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,528,000 | 25,665,000 | 25,772,000 | 25,349,000 |
| Total capital | 26,675,000 | 26,798,000 | 26,857,000 | 26,428,000 |
| Risk-weighted assets | 93,499,000 | 94,731,000 | 95,385,000 | 96,054,000 |